DISABLING INJURIES PROTECTION PLAN

DISABLING INJURIES PROTECTION PLAN Policy Document and Policy Summary HOSPITAL PLAN INSURANCE SERVICES

Policy Summary The purpose of this policy summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions. You should still read the policy document for a full description of the terms of the insurance, including the policy definitions. This policy summary does not form part of the policy document wording. Insurance Provider Hospital Plan Insurance Services is an Appointed Representative of AIG Europe Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Registered in England number 1486260 Purpose of the Insurance The insurance provides a range of cash sums for accidental bodily injury which result in death, permanent disability or fractures (all as specified in the policy). Significant Product Features and Benefits For a full list of benefits and the benefit amounts, please refer to your Schedule, Table of Benefits and Policy Document. Cash benefits vary depending on the nature of the injury and the level of cover you choose when you apply. Benefits are paid if you are seriously and permanently disabled (as specified in the Schedule) A lump sum paid to the estate of the insured for Accidental Death (as specified in the Schedule) Benefits are paid in respect of a single or multiple fractures to the bone (as specified in the Schedule) No Claims Benefit payable subject to no claims having been made (as specified in the Policy Document) Additional benefits are payable in respect of accidents occurring (as specified in the Policy Document); as a fare paying passenger on a scheduled aircraft, bus, tram, ship, hovercraft or train (100%) on a Bank Holiday, whilst as a passenger or driver on a Motorway, as a result of an unprovoked malicious attack or terrorist attack (50%) Significant Exclusions and Limitations For a full list of the general limitations and exclusions, please refer to page 4 of the policy document. No benefit is payable: if the accident is sustained while you are flying, unless you are a fare-paying passenger if you take drugs other than according to the manufacturer s instructions or as prescribed by a medical practitioner if your bodily injury is sustained whilst directly involved in an unlawful act if your bodily injury results from sickness or disease Benefits payable for those under the age of 18 are one half of those shown in the Table of Benefits. Benefits payable for those aged 75 and over at the date of the accident, the benefits shown in the Table of Benefits will be reduced by one-third. Cover will not continue if any Insured Person resides outside of the UK for more than 180 consecutive days. Law and Jurisdiction This policy will be governed by the law that applies in the part of the territory where the policyholder normally lives unless agreed to the contrary by the policyholder and us before the effective date, otherwise the law of England and Wales will apply whose courts alone will have jurisdiction. Period of Insurance Premiums are payable monthly. Each monthly premium buys cover for the calendar month in which it is paid. If any premium is not paid on the date it is due, cover will stop on that date if the premium is not received within 30 days. Right of Cancellation and Cooling-Off period You can cancel this policy at any time. If you cancel within 15 days of receiving your policy (or within 15 days of the start date shown on your schedule if this is the later) you will be entitled to a full refund of that premium, providing you have not made, or intend to make, a claim during that period. We will provide the refund to you within 30 days from the date we receive your notice of cancellation. Claim Notification If you wish to notify us of a claim or have any questions, simply contact Hospital Plan Insurance Services, stating your name and Policy Number: Office address: Accident and Health Claims Department, AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon, Surrey, CR9 2LG Customer helpline: 020 8662 8184 8.30am to 5.30pm Monday to Friday Your Right to Complain If you want to make a complaint, please contact: Hospital Plan Insurance Services, Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1LH or telephone 020 8662 8184 8.30am to 5.30pm Monday to Friday If, once we have issued our final decision letter, the complaint is not resolved to your satisfaction, you may refer it to: The Financial Ombudsman Service South Quay Plaza, 183 Marsh Wall, London E14 9SR or by telephoning 0845 080 1800 or visiting their website at www.financial-ombudsman.org.uk. Financial Services Compensation Scheme (FSCS) We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we are unable to meet our financial obligations. Further information about compensation scheme arrangements is available from the FSCS website at www.fscs.org.uk, or by writing to: Financial Services Compensation Scheme 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN or by calling 020 7892 7300 or 0800 678 1100 2

Policy Document Introduction This document sets out the terms of your Disabling Injuries Protection Plan, please read it carefully. It tells you what is covered and what is not, what to do if you want to make a claim and who to call if you need help. You should familiarise yourself with the cover provided by this policy and all the terms, conditions and exclusions that apply. You should read the policy in conjunction with your schedule. If you have any questions about your policy or wish to make any changes, please call Customer Services on 020 8662 8184. Lines are open between 8.30am and 5.30pm Monday to Friday. We may record telephone calls for security and quality control purposes. Policy This policy, together with the schedule, the application and any endorsements, forms the basis of the contract between the policyholder and us. We agree to provide the insurance cover described in this policy provided the premium is paid when due and we agree to accept it. Scope of Insurance If an insured person has an accident on or after the effective date and suffers bodily injury which solely and independently of any other cause and within 12 months of the date of the accident, causes death, permanent disability or single or multiple fractures, we will pay the amount shown in the Table of Benefits, allowing for any accrued No Claims Benefit. Definitions We use words in this policy which have a specific meaning, and sometimes those meanings are unique to this policy. These words are shown below and each time one of them is used in the policy and schedule, it is shown in bold type. Accident A sudden, unexpected and specific event, external to the body, which occurs at an identifiable time and place. Bodily injury Identifiable physical injury to an insured person s body which is caused directly and solely by an accident, is not intentionally selfinflicted and does not result from sickness or disease. Child Any person who is under 18 years of age. Effective date The start date of the policy shown in the schedule, or the date on which an insured person was added to a policy if later. Insured person or persons The person or persons shown on the schedule. Loss of hearing Total and permanent loss of hearing. Loss of sight The physical loss of an eye or the loss of a substantial part of the sight of an eye. A substantial part means that the degree of sight remaining after the accident is 3/60 or less on the Snellen scale after correction with spectacles or contact lenses. (At 3/60 on the Snellen scale one can see at 3 feet something one should be able to see at 60 feet). Loss of speech Total and permanent loss of speech. Loss Permanent, total and irrecoverable loss of use or the permanent and total loss by physical severance, resulting in separation. Policyholder The person who has paid for this policy and is shown on the schedule. Schedule The document showing details of the cover, including the Table of Benefits, which should be read with this policy. Terrorist Act Any act causing bodily injury with the stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests. United Kingdom England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man. War Military action, either between nations or resulting from civil war or revolution. We, us or our AIG Europe Limited. You, your or yourself An insured person. Special Benefits a) No Claims Benefit The benefit payable will increase on each of the insured person s consecutive annual anniversary dates, up to a maximum of 25% as long as no claim has been made and all premiums due have been paid: a. On the first anniversary all benefits increase by 10% of the sum assured shown in the Table of Benefits b. On the second anniversary all benefits increase by a further 5% of the sum assured shown in the Table of Benefits c. On the third anniversary all benefits increase by a further 5% of the sum assured shown in the Table of Benefits d. On the fourth anniversary all benefits increase by a further 5% of the sum assured shown in the Table of Benefits b) If bodily injury occurs whilst the insured person is riding as a fare-paying passenger in or on any licensed aircraft, bus, tram, ship, hovercraft or train the benefit payable will be doubled. c) If bodily injury occurs on a Bank Holiday as defined in the United Kingdom, or the equivalent anywhere in the world, the benefit payable will be increased by 50%. d) If bodily injury occurs whilst travelling on a motorway, as defined in the United Kingdom, or the equivalent anywhere in the world, the benefit payable will be increased by 50%. e) If bodily injury occurs as a direct result of an unprovoked malicious assault or battery by another person other than a member of the insured person s family or household, the benefit payable will be increased by 50%. f) If bodily injury occurs as a direct result of a terrorist act, the benefit payable will be increased by 50% 3

What We Don t Cover No benefit for bodily injury will be payable: a) if the accident occurs as a direct consequence of a war; b) if the accident is sustained while you are flying, unless you are a fare-paying passenger; c) if you take a drug or drugs other than according to the manufacturer s instructions or as prescribed by a registered medical practitioner; d) if you take a drug or drugs for the treatment of drug addiction; e) if the accident occurs whilst driving, or in charge of, a vehicle and your blood/urine alcohol level is above the legal limit stated in the laws of the country where the accident occurs; or f) if your bodily injury is sustained whilst directly involved in an unlawful act; General limitations Benefit limitations a) If death results from bodily injury and occurs within 13 weeks of the date of an accident, we will pay the accidental death benefit only. b) All benefits payable for a child are one half of those shown in the Table of Benefits. c) In the event that more than one benefit 1-17 applies to any one accident, only the benefit attracting the highest sum assured will be payable. d) For an insured person aged 75 and over at the date of the accident, the benefits payable are reduced by one third, subject to an overall maximum as shown on your policy schedule. e) The first 10,000 of any Accidental Death benefit payable will not be affected by any of the special benefits terms or general limitations b) or d) above. Any benefit payable in excess of this amount (for example, if you have a paid for Accidental Death endorsement) will be subject to the terms and conditions of this policy. Existing medical conditions If you have an existing physical or medical condition and you have an accident and suffer bodily injury, we will ask an independent medical consultant to assess: a) whether your existing physical or medical condition has contributed to your post-accident disability; or b) whether the post-accident disability has made your existing physical or medical condition worse. In either case, we will ask the consultant to assess the difference between your physical or medical condition before and after the accident. Any payment will be based on the difference, expressed as a percentage and applied to the appropriate benefit in the Table of Benefits. Example of an existing medical condition You were partially blind in your left eye and you then had a car accident which left you totally blind in both eyes. We ask an independent Ophthalmic Surgeon to assess the difference between the amount of vision you had before and after the accident. He assesses the pre-accident vision in your left eye at 50%, so we pay 50% for the loss of vision in that eye. The vision in your right eye was normal before the accident, so we pay 100% of the loss of eye. Non-specified injuries If you have an accident, suffer bodily injury and the resulting disability is not specifically mentioned in the Table of Benefits but nevertheless results in permanent disability, we may still be able to make a payment. In these circumstances, we will ask an independent medical consultant to examine you and assess the degree of your post-accident disability and relate it, in percentage terms, to the nearest of those permanent disabilities specifically mentioned in the Table of Benefits. Payment will then be based on that percentage of the nearest benefit in the Table of Benefits. Residence outside the United Kingdom Cover under this policy cannot continue if the policyholder or you reside outside the United Kingdom for more than 180 consecutive days. Please tell us as soon as this happens so we can stop collecting premiums. The cover will be amended to remove that insured person, or cancelled if there is only one insured person. General Conditions Cooling off period If the cover does not meet the policyholder s requirements the policyholder may cancel this policy within 15 days of the first premium due date shown on the schedule or within 15 days of receiving the policy and schedule, whichever is the later. We will give the policyholder a full refund of any premiums paid as long as no claim has been made in that period. We will provide this refund within 30 days from the date we receive notice of cancellation from the policyholder. Cancelling the policy after the cooling off period The policyholder may cancel this policy by giving Hospital Plan Insurance Services 30 days notice in writing to Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1LH or by calling 020 8662 8184. Cover stops on the date we receive notification of cancellation. We may cancel this policy by giving the policyholder 30 days notice in writing to the policyholder s last known address. Fraud or mis-statement Any fraud, deliberate mis-statement or concealment when you applied for this policy or when you make a claim will render the policy void. In this event, any benefit due under this policy will be forfeited, including any benefit that has previously been paid to you. No premiums will be returned. Law and jurisdiction This policy will be governed by the law that applies in the part of the United Kingdom where the policyholder normally lives, unless agreed to the contrary by the policyholder and us before the effective date. Payment of benefit The accidental death benefit will be paid to your legal representatives or executor and their receipt will discharge our liability under the policy. Any other benefit will be paid to the insured person who is the subject of the claim except in the case of a child, when it will be paid to the policyholder. 4

Policy alteration We may change the terms and conditions, including the premium, of the policy as considered necessary to reflect any event outside our control that we expect to have an impact on future claims which we could not reasonably have foreseen when the assumptions were last reviewed, or in the event of any change in the law affecting this policy, for example a change in Insurance Premium Tax. Before we make any changes, we will give the policyholder 30 days notice in writing to the policyholder s last known address. Alternatively the policyholder can cancel the policy and stop paying premiums altogether. Premium payment The premium is payable monthly and is due on the first premium due date and subsequently on the 2nd day of each month. Each premium paid purchases cover under the terms of this policy for the calendar month in which it is due. If any premium is not paid on the date it is due, the policyholder has 30 days in which to pay it. If it is not paid during that period, the policy will be automatically cancelled from the date on which the unpaid premium was due. If the premium is paid during the 30 day period, then cover will operate as if it had been paid on the due date. Claim procedure A claim can be made under this policy by writing to the Accident and Health Claims Department, AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon, Surrey, CR9 2LG or by calling 020 8662 8184. We must be notified as soon as reasonably practicable after the accident and a claim form completed and returned to us. The claim may be rejected if it is made so long after the accident happens that it makes it difficult or impossible for us to investigate the claim fully. We may ask you to attend one or more medical examinations. If we do, we will pay the cost of the examination(s) and your reasonable travelling expenses to attend, provided these expenses are agreed by us in advance. If you fail to attend without reasonable cause, then your claim may be rejected. We will ask for certificates and a reasonable amount of information in support of the claim. If we do not receive the information we need, the claim could be rejected. If any statement in support of the claim is misleading or is found to be incorrect, the claim will be rejected and the policy will be cancelled. Any amounts already paid must be repaid to us. We reserve the right to ask for a post-mortem examination which we will pay for. How we use Personal Information Hospital Plan Insurance Services is underwritten by AIG Europe Limited. Hospital Plan Insurance Services is an Appointed Representative of AIG Europe Limited. AIG Europe Limited is committed to protecting the privacy of customers, claimants and other business contacts. Personal Information identifies and relates to you or other individuals (e.g. your dependants). By providing Personal Information you give permission for its use as described below. If you provide Personal Information about another individual, you confirm that you are authorised to provide it for use as described below. The types of Personal Information we may collect and why - Depending on our relationship with you, Personal Information collected may include: identification and contact information, payment card and bank account, credit reference and scoring information, sensitive information about health or medical condition, and other Personal Information provided by you. Personal Information may be used for the following purposes: Insurance administration, e.g. communications, claims processing and payment Decision-making on provision of insurance cover and payment plan eligibility Assistance and advice on medical and travel matters Management and audit of our business operations Prevention, detection and investigation of crime, e.g. fraud and money laundering Establishment and defence of legal rights Legal and regulatory compliance, including compliance with laws outside your country of residence Monitoring and recording of telephone calls for quality, training and security purposes Marketing, market research and analysis To opt-out of marketing communications contact us by e-mail at: queries@hpis.co.uk or by writing to: Marketing Preference Team, Hospital Plan Insurance Services, Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1LH. If you opt-out we may still send you other important communications, e.g. communications relating to administration of your insurance policy or claim. Sharing of Personal Information - For the above purposes Personal Information may be shared with our group companies, brokers and other distribution parties, insurers and reinsurers, credit reference agencies, healthcare professionals and other service providers. Personal Information will be shared with other third parties (including government authorities) if required by law. Personal information (including details of injuries) may be recorded on claims registers shared with other insurers. We are required to register all third party claims for compensation relating to bodily injury to workers compensation boards. We may search these registers to detect and prevent fraud or to validate your claims history or that of any other person or property likely to be involved in the policy or claim. Personal Information may be shared with prospective purchasers and purchasers, and transferred upon a sale of our company or transfer of business assets. International transfer - Due to the global nature of our business Personal Information may be transferred to parties located in other countries, including the United States and other countries with different data protection laws than in your country of residence. Security and retention of Personal Information Appropriate legal and security measures are used to protect Personal Information. Our service providers are also selected carefully and required to use appropriate protective measures. Personal information will be retained for the period necessary to fulfil the purposes described above. Requests or questions - To request access or correct inaccurate Personal Information, or to request the deletion or suppression of Personal Information, or object to its use, please e-mail: DataProtectionOfficer@aig.com or write to Data Protection Officer, Legal Department, AIG Europe Limited, The AIG Building, 58 Fenchurch Street, London, EC3M 4AB. More 5

details about our use of Personal Information can be found in our full Privacy Policy at www.hpis.info/privacy.html or you may request a copy using the contact details above. If something goes wrong with our service Complaints procedure We are committed to providing you with a first class service at all times, however, we recognise that occasionally you may be unhappy with some aspect of this service. If you are not satisfied with the service you have received you should contact one of the following: If your complaint is about a claim - Claims Manager, Accident and Health Claims Department, AIG Europe Limited, The AIG Building, 2-8 Altyre Road, Croydon, Surrey, CR9 2LG, telephone 020 8662 8183 and quote your claim and policy number. If your complaint is not about a claim - Customer Support Manager, Hospital Plan Insurance Services, Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1LH, telephone 020 8662 8184 and quote your policy number. We will acknowledge your complaint and keep you regularly informed about the progress of your complaint. For complaints relating to claims, it may take us a little longer to respond to you, especially if we need to consult with medical professionals, however we will let you know what information we are waiting for. We will do our best to resolve the complaint quickly and will issue a final response letter to you addressing the issues raised. If we are not able to resolve your complaint to your satisfaction you may be entitled to refer any disagreement to the Financial Ombudsman Service (FOS) to review your case, without affecting your legal right to take action. The address is: Financial Ombudsman Service South Quay Plaza 183 Marsh Wall London E14 9SR Telephone: 0845 080 1800 www.financial-ombudsman.org.uk Financial Services Compensation Scheme (FSCS) We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation if we are unable to meet our financial obligations. Further information about compensation scheme arrangements is available from the FSCS website at www.fscs.org.uk, or by writing to: Financial Services Compensation Scheme 7th Floor Lloyds Chambers, Portsoken Street, London E1 8BN or by calling 020 7892 7300 or 0800 678 1100 Other information This insurance is underwritten by AIG Europe Limited. Hospital Plan Insurance Services (HPIS) is an Appointed Representative of AIG Europe Limited. AIG Europe Limited (FRN number 202628) is authorised and regulated by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. This can be confirmed with the Financial Conduct Authority on www.fca.org.uk or by calling 0845 606 9966. AIG Europe Limited is also a member of the Association of British Insurers. AIG Europe Limited is registered in England under number 1486260. Registered office: 58 Fenchurch Street, London EC3M 4AB. How to contact us Hospital Plan Insurance Services Norfolk House, Wellesley Road, Croydon, Surrey, CR0 1LH. Telephone: 020 8662 8184 - Telephone calls may be recorded HOSPITAL PLAN INSURANCE SERVICES Registered office: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. Registered in England 2100356. Hospital Plan Insurance Services is an Appointed Representative of AIG Europe Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. HP017f(09/13)